Category: Auto-Finanzierung Forum

Have a question for you on the basis of a current case. How does it look if an elderly gentleman wants to have a car loan with a car bank? Example as it has happened: A gentleman from the relatives bought a vehicle in 2006 via financing. The rates are scheduled for 36 months and after that he is free to leave the car or to pay a residual sum. The rates for this at the moment amount to 260,00 Euro monthly. Now another car should come from which over 60 Mona It is a classic financing with constant rates. This amount is 487.00 per month. The employee is 84 years old, has an above-average pension, and an owner’s home, worth approx. 300,000 euros. Is it understandable that the bank of the vehicle owners refuses the loan?

I read here from time to time threads in which so great about discounts is talked, only one thing you must not forget that also the dealer wants to have a bit of money, especially since he places the cars on stock and has in addition also demonstration cars as well as employed,with the meanwhile almost usual 15% discount everyone can calculate himself how much remains of the dealer, here it means squeezing up to the bitter end and the whining then becomes even bigger if this dealer has to close because you have everything ka puttgespart and then have to make a long way to the next contract workshop or still have to drive to the bastlerverein ATU and then the screws have to re-account again if everything is fixed, so my please: LIFE AND LIFE LASS

Hello Kolleschen, I always see these super cheap credit offers with 3,71 or in some cases even more favourable for financing consumer goods. But how for heaven’s sake can I get access to such dreamy conditions. Sure in times of Basel II one will certainly have to show a good “bonance”. But could someone tell me exactly what one would have to prove for such a loan with a low interest rate?

Hello, I really need some advice from you, because I have no idea in this respect and I never had to/wanted to do anything like that before. The thing is this: I left my old diesel in August last year and bought a smoked passat (petrol) and now finance it over 4 years until it really is mine. I made this decision because I had to drive less than before and the difference between diesel and petrol also net more so big r like 5 years ago. In the meantime I have calculated and found that I drive much more than expected and the super is again almost unbearably expensive lately, that I now extremely regret not to have bought a diesel again *damn* Now my question is, do you know a way I can buy a new one for financing. As I said, for the old one I still pay a good 3 years, so sometimes so fast triggering at the bank is not in there either. I’m also not such a big earner that I could say, I pay off just a few months for 2 car rates. Would you really be extremely grateful if you had some tips for me on how to handle this. Mfg DerUnkel2002

Hello, I am about to lease a vehicle on business. BJ 08/2015 50 tkm on the speedometer 36 months leasing 25 tkm p.a. All prices in gross: Current selling price = 40,000 euros. Estimated residual value after 36 months = 20,000 euros (I already hold for too low). Comparable models with 125,000 km are just for 30,000 to 35,000 euros at mobile.de. Monthly rate would be 670 euros x 36 months = 24,100 euros. So pay 4100 euros for the “financial service” since the car is only 2 0.000 in value loses. So almost 20% calculated on 3 years, which I think is too much. Does someone know banks or portals where I get a better offer? Thanks already and many greetings!

Hello! I bought my Audi A3 8P 2.0 FSI by financing about 2 3/4 years ago. Now I have to pay a shooting rate of 15,000 euros after the 3 years financing period. Now I only wonder if it’s worth paying the 15,000 euros or if I drive differently better. First of all to the data: My car is an A3 8P 2.0 FSI S-line with extras like Xenon, light sensor, rain sensor, coming leaving home, climate automation, Concert 2,…). I drive about 30-35,000 km, ha b so already almost 90,000 km on the clock. Therefore I also have doubts whether the car will last the next time without expensive repairs. At first I thought of three possibilities: 1. I pay the final rate – the car belongs to me and I drive it for a few years. 2. I pay the final rate – the car belongs to me and I sell it immediately private or to a dealer and then buy a junior used one. 3. I return the car and buy a car I am also thinking about whether it is not cheaper to switch to a diesel, because of the high mileage per year. But you can hear that a diesel doesn’t bring so many advantages… If I choose possibility 3, it can be that I also get money back, because the car is in a top condition? Should possibility 1 or 2 be the best, ic can be the best way to do this. h then also get out of the financing contract prematurely? Then maybe I save some interest? Questions about questions! I hope I can give myself recommendations! Greeting, Tobi

hello to all I’m new here and looking for a advice, regarding car purchase hope I’m in the right “forum” ? I’ve been driving a ford fiesta 96 he now for 8 years, which is carried in 2 months, to grave …. I just don’t know what to buy a new car (price range up to 3500 euros) (financing, have 1000 euros available) I’m looking for a diesel, because gasoline costs have become too expensive… driving at least 10000 km a year… what kind of cars are coming in there? ? to not off he really would go to need also a gasoline …. but very reluctant… is there any good dealers in the room lübeck/hamburg? for answers I would be very grateful

I’m looking for a car like the Golf 3/4 / Civic with 110 – 120 hp but low insurance rating, because I’m only 20 and therefore only at 100%. A Corrado / CRX would also be very nice but just like the Golf GTI these are very (!) expensive in the insurance. And I would actually rather have a slightly newer car than the Corrado. I also find Alfa quite interesting, but unfortunately I can do it on http: //www.gdv-dl.de/typen.html I don’t find any entries for Alfa, so I don’t know how high they are with the insurance, but I’m afraid they are similar to the ones mentioned. Should a car be about 1000 kg of curb weight. But still no smart or such small. A3 would be the maximum, but this one is a little too heavy for me and also too expensive in the insurance. The price limit is about 5000 €. Rather diesel, as I drive about 20 tkm a year. I know that this thread here is not to 10 0% fits in, but where does it fit in better?! Then I hope you have some tips for me

Hello, I have a question about the taxation of a company car. I have the possibility to get a company car with a prescribed equipment. Gross list price for this equipment is 27,000 EUR. In addition, I can configure up to 3,000 EUR into the car, which I would have to pay from my own pocket. Let’s say as an example that I fully exhaust the limit of 3,000 EUR and have no way to work (0 km). Then makes monthly gross 300 EUR, the best The fleet management told me that the 1% rule would really be related to the value of EUR 30,000 and not only to EUR 27,000. On the one hand, I pay directly the EUR 3,000 myself and tax it month after month on the duration of the use of the company car. Can this be correct? Furthermore, the following question concerns me: The fleet management told me that the EUR 3,000 will be withheld from my salary and that the This applies only to the calendar year in which the company car was purchased. a) What exactly do you mean by this? Can someone give me a calculation example? b) I found contradictory information on the Internet. Sometimes it is said that this reduction applies only to the first calendar year and that the reduction also goes beyond the calendar year. What is correct? I hope someone knows about it. a little better than me 🙂 If you have any questions about my comments, please contact us! Thank you in advance!

Hello, I’m new here and I need your help I paid for my first car from the saved car, so I have no idea of financing, but I’ve already informed myself everywhere. I want to finance an Audi A4 car with VarioCredit. As a down payment my old car should be used. The loan amount would be about 30k€, I want to finance for 48 months with 15000 km/year. If I use the proposed rates of the Audi online computer I would have to use about 330€ This would be the value of the car with a certificated right of return ?! Now the dealer asked me how much I would like to pay monthly. I said 400-450€ to keep the final rate lower and because I could pay so much monthly. Now the question: What good is the certificated right of return now ? The final rate (about 13k€) is then lower than the value of the car. If I would then return the car in 4 years, b or would you recommend to keep the monthly rates as low as possible and to put away something in private every month? Thank you very much.